Monday, 4 November 2019

Banking facilities to the visually challenged.



RBI / 2007-08 / 358
DBOD.No.Leg BC. 91 /09.07.005/2007-08                                               

To
All  Scheduled Commercial  Banks (excluding RRBs)

Dear Sir,

Banking facilities to the visually challenged










It has been brought to our notice  that  visually  challenged persons are facing  problems in availing banking facilities. It may be noted that banking facilities including cheque book facility  / operation  of ATM / locker etc.  cannot  be denied  to the visually  challenged  as  they are legally  competent to contract .  

2.  It  may  be  recalled  that  in  the Case No. 2791/2003, the Honourable Court of Chief Commissioner  for  Persons  with  Disabilities had  passed Orders dated 05.09.2005 which was forwarded  by  IBA  to all the  member banks vide  their  circular letter  dated October 20, 2005. In the above Order,  the Honorable  Court  has  instructed that  banks should offer all  the banking facilities including cheque book facility, ATM facility and  locker  facility  to the  visually challenged and  also assist them in  withdrawal  of cash. Further, in Para 14 of  the above Order, the Honorable  Court  has  observed that  visually  impaired persons  cannot  be  denied the facility  of  cheque book, locker and  ATM on the possibility  of  risk  in  operating  / using  the said  facility,  as the element of risk  is involved in case of other customers as well.

3. Banks are therefore advised to  ensure  that all  the banking facilities such  as cheque book facility  including third party  cheques,  ATM facility,  Net banking facility,  locker facility,  retail loans, credit cards etc. are  invariably  offered to the visually  challenged without any  discrimination .  Banks  may  also  advise  their branches  to render all  possible assistance to the visually challenged for availing the various banking facilities.



Yours faithfully  

 (Prashant  Saran) 
Chief General Manager-in-Charge 





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